Credit Management Company (CMC) is a Pittsburgh, Pennsylvania-based third-party debt collection agency that primarily collects healthcare, utility, and telecommunications debts. If you received a call or letter from Credit Management Company and searched to find out who they are, you are likely dealing with a collector pursuing a medical bill, hospital balance, or utility account – their most common debt portfolios.
Before anything else: Credit Management Company is not the same as Credit Management LP, CMI Group, Harvest Credit Management, Genesis Credit Management, or any number of other “credit management” named entities. If you’re searching “CMC credit management” or “credit management services company” and unsure which company is contacting you, request a written validation letter identifying the exact legal entity name before engaging. Call +1-844-638-1122 – The Wood Firm PLLC works on contingency.
Key Takeaways
- Credit Management Company (CMC) is a real debt collector based in Pittsburgh, PA – not a scam
- They primarily collect healthcare, utility, and telecommunications debts
- 238 BBB complaints for excessive calling, unauthorized credit reporting, misleading debt information, and threatening language
- Multiple federal lawsuits on record for FDCPA violations including harassment and deceptive practices
- Not the same as Credit Management LP, CMI Group, Harvest Credit Management, or Genesis Credit Management
- The Wood Firm PLLC works on contingency – whether you owe the debt or not, we can help you
Who Is Credit Management Company?
Credit Management Company is a third-party debt collection agency headquartered at Foster Plaza Building 7, 661 Andersen Drive, Suite 110, Pittsburgh, PA 15220. They collect unpaid debts on behalf of healthcare providers, hospital systems, utility companies, and telecommunications carriers. Their BBB file shows 238 complaints – primarily for excessive calling, misleading debt information, unauthorized credit reporting, and contacting third parties about consumer debts.
Contact information:
- Official phone: (412) 937-0900 / 412-937-0900 / 4129370900
- Also reported: (800) 377-7723 / 800-377-7723 / 8003777723
- Also reported: (713) 231-1866 / 713-231-1866 / 7132311866
- Also reported: (866) 913-4426 / 866-913-4426 / 8669134426
- Also reported: (972) 862-4200 / 972-862-4200 / 9728624200
- Address: Foster Plaza Building 7, 661 Andersen Dr STE 110, Pittsburgh, PA 15220
Why Is Credit Management Company Calling Me?
CMC contacts consumers on behalf of original creditors who have assigned delinquent accounts for collection. Their portfolio is weighted toward healthcare – hospital balances, physician group bills, emergency services, and outpatient care. They also collect utility arrears and telecom account balances.
If CMC is calling about a medical debt, verify the following before responding: that the debt is actually yours and not a billing error or insurance coordination failure, that the amount matches your original explanation of benefits, and that the debt is not subject to the one-year waiting period before medical debts can be reported to credit bureaus. Medical billing errors are common enough that validation is essential before any payment discussion.
If you searched “why is Credit Management Company calling me” or “what is Credit Management Company” – this is the Pittsburgh, PA collector. They are not affiliated with any other “credit management” named company despite the generic name.
Whether You Owe The Debt Or Not, We Can Help You!
Federal law protects you from abusive debt collection regardless of whether the debt is valid. You may be entitled to:
- Up to $1,000 per FDCPA violation
- Actual damages for emotional distress and financial harm
- Attorney fees paid by CMC if we win
✓ We work on contingency — You pay nothing unless we win
FREE Case Review: +1-844-638-1122
How to Stop Calls from Credit Management Company
If you’re receiving calls from (412) 937-0900 / 412-937-0900 / 4129370900, (800) 377-7723 / 800-377-7723 / 8003777723, or any of their other numbers:
1. Request Written Debt Validation
Within 30 days of first contact, send a written validation request via certified mail to Foster Plaza Building 7, 661 Andersen Drive, Suite 110, Pittsburgh, PA 15220. For medical debt specifically, request the original provider’s name and address, an itemized billing breakdown, your insurance EOB documentation, and the date of original delinquency. Under the Fair Debt Collection Practices Act, CMC must pause all collection activity until it receives an adequate response.
2. Verify Medical Debt Reporting Rules
If CMC is collecting a medical balance, federal consumer protection rules require a one-year waiting period before medical debts can be reported to credit bureaus, and medical debts under $500 cannot be reported at all. If CMC has reported a medical debt that is under one year old or under $500, that reporting may violate the CFPB’s debt collection rules and give you grounds to dispute it with all three bureaus immediately.
3. Send a Cease-and-Desist Letter
If calls continue after your validation request, send a written cease-and-desist via certified mail. CMC must stop all contact except to confirm cessation or notify you of legal action. Keep your receipt as documented proof of delivery.
4. Hire an Attorney
Once CMC knows you have legal representation, contact routes through your attorney. The Wood Firm PLLC works on a contingency basis. Call +1-844-638-1122.
Lawsuits Against Credit Management Company
Credit Management Company has faced multiple federal lawsuits for alleged FDCPA violations, reflecting a documented pattern of conduct that courts have found worth litigating.
In Wiggins v. Credit Management Company, claims centered on harassment and failure to provide proper debt validation – a foundational FDCPA requirement. In Knowlin v. Credit Management Company, the allegations involved deceptive collection practices and threats that exceeded what collectors are legally permitted to make. Thomas v. Credit Management Company addressed excessive calling patterns and third-party disclosures – contacting people other than the consumer about the debt without authorization.
Alongside these named cases, CMC’s 238 BBB complaints document recurring allegations of the same conduct: calling outside permitted hours, misleading information about debt amounts and status, and unauthorized credit reporting. A complaint volume of that size across multiple categories reflects a systematic pattern rather than isolated incidents.
Credit Management Company on Your Credit Report
If Credit Management Company appears on your Equifax, Experian, or TransUnion report, verify the entry before assuming you must pay. Their documented history of misleading debt information and unauthorized reporting means entries deserve careful scrutiny.
- If it’s a medical debt under $500 – it should not be on your report at all under current rules. Dispute immediately with all three bureaus.
- If it’s a medical debt reported within one year of the original delinquency – dispute with documentation showing the service date. Premature medical debt reporting may be grounds for both a bureau dispute and an FCRA claim.
- If the amount is inaccurate – compare against original billing statements and insurance EOBs. Dispute the specific discrepancy in writing with documentation.
- Pay-for-delete – negotiate written deletion from all three bureaus before any payment. Get it confirmed in writing. Learn more at the FTC’s debt collection rights resource.
- FCRA grounds – inaccurate reporting gives you a separate Fair Credit Reporting Act claim alongside any FDCPA violations.
Why The Wood Firm PLLC Is the Right Call Against Credit Management Company
CMC’s 238 BBB complaints and multiple federal lawsuits all point to the same categories: excessive calling, misleading information, and unauthorized credit reporting. Those aren’t abstract violations – they are documented, recurring patterns that we know how to build claims around. For healthcare debt specifically, the medical reporting rules add additional legal frameworks beyond the FDCPA that create more angles to pursue.
The Wood Firm PLLC has handled FDCPA, FCRA, and TCPA cases exclusively since 2010. Whether you owe the debt or not, we can help you. Contact stops within 48 hours of legal notice. You pay nothing unless we win.
Call +1-844-638-1122 and let’s see what they’ve actually sent you.
About Attorney Jeff Wood
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection – FDCPA, FCRA, and TCPA cases. With over 15 years of experience and Of Counsel relationships in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia, he has never represented a creditor or collection agency.
We Have Helped People Like You
“Credit Management Company was calling me 8 to 10 times a day about a hospital bill I disputed with my insurance company. The Wood Firm PLLC sent legal notice immediately – the calls stopped within 48 hours. They pursued the FDCPA claim and I received compensation. The debt was under review by my insurer the whole time.”
— Client, Pittsburgh, PA
“CMC reported a medical balance to all three credit bureaus that was less than six months old and under $500. The Wood Firm PLLC told me both of those were violations of medical debt reporting rules. They disputed it with the bureaus, the entry was removed from all three, and I was compensated for the credit damage.”
— Client, Pennsylvania
“CMC called my workplace repeatedly after I told them my employer didn’t allow personal calls. The Wood Firm PLLC documented each unauthorized workplace call as a separate FDCPA violation. The settlement covered the harassment and the debt was removed from my credit report entirely.”
— Client, Ohio
Whether You Owe The Debt Or Not, We Can Help You!
Free Consultation • No Upfront Costs • CMC Pays Our Fees If We Win
Common Questions About Credit Management Company
Is Credit Management Company legitimate or a scam?
Legitimate – a real, operating Pittsburgh-based debt collector. Not a scam. However, 238 BBB complaints and multiple federal lawsuits for harassment, deceptive practices, and unauthorized credit reporting document a compliance record worth taking seriously. Receiving a call from CMC that feels like a scam call may reflect their documented aggressive tactics rather than actual fraud.
Who does Credit Management Company collect for?
CMC primarily collects for healthcare providers, hospital systems, utility companies, and telecommunications carriers. If they are calling, the underlying account is most likely a medical bill, hospital balance, utility arrearage, or telecom account. They are based in Pittsburgh, PA and serve creditors across multiple states.
Is Credit Management Company the same as Credit Management LP, CMI Group, or other similar names?
No. Credit Management Company (Pittsburgh, PA) is a separate entity from Credit Management LP, CMI Group, Harvest Credit Management, Genesis Credit Management, and other “credit management” named firms. Request a written validation letter that confirms the exact legal entity name before engaging with any payment discussion.
CMC appeared on my credit report for a medical debt – can I dispute it?
Yes, and you may have strong grounds. Medical debts under $500 cannot be reported to credit bureaus at all. Medical debts must remain unpaid for one year before reporting is permitted. If your CMC credit report entry is for a medical balance that is under $500 or was reported within one year of the original service date, dispute it with Equifax, Experian, and TransUnion immediately and call +1-844-638-1122.
Can Credit Management Company garnish my wages?
Only after filing a lawsuit, winning a court judgment, and obtaining a separate garnishment order. CMC cannot garnish wages based on a collection notice alone. If an agent threatened garnishment without referencing a court judgment, that threat may violate the FDCPA’s prohibition on false representations. Document exactly what was said and when.
Should I pay Credit Management Company before speaking to an attorney?
No. For healthcare debt especially, insurance coordination failures and billing errors are common enough that the claimed balance may not accurately reflect what you legally owe. A free consultation with The Wood Firm PLLC costs nothing and could reveal violations that entitle you to compensation rather than payment. Whether you owe the debt or not, we can help you. Call +1-844-638-1122 before paying anything.
